Plan Your Engagement

Fee estimator & complexity self-assessment for new clients

Estimate the fee for your engagement with Cross Border Wealth Advisors. For planning purposes only — final fees are set in your signed engagement letter.

Pick the service that matches your situation, enter approximate figures, and see an illustrative fee. This is a planning tool — your final fee is documented in the signed engagement letter.

Your inputs

Estimated fee

Estimated fee
$0
Estimate only. Final fee determined at your discovery meeting and documented in the signed engagement letter. Fees are negotiable.

What's in each service

Explorer

One-time comprehensive plan

$3,000 – $6,000 one-time, based on complexity. ~3 months. Comprehensive plan, cross-border tax overview, simulations. No ongoing engagement.
Sailor

Ongoing planning + advice

$1,200/quarter. Plus 0.25%/year on assets above $500,000 you'd like ongoing advice on (first $500,000 included). $6,000 annual minimum. Initial setup $2,500 – $5,000. 30-day notice — no minimum engagement term.
Settler

Full-service wealth management

Blended tier: 1.00% first $1.5M, 0.75% $1.5M–$3M, 0.50% above $3M. Optional 0.15%/yr on additional advised assets. $10,000 annual minimum. Initial setup $2,500 – $5,000. Includes US + Spain tax coordination. 30-day notice — no minimum engagement term.

Before any engagement begins we hold a 90-minute discovery meeting ($499, credited back if you engage within 90 days). The discovery meeting is where we confirm which service fits and what your fee will be.

Seven questions to help estimate where your engagement might price. The fee depends on the complexity of your situation — there's no penalty for higher complexity; it just reflects more hours of work.

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This is a self-assessment. The estimated range below uses your responses to suggest where your engagement might price within our published ranges. Your final fee is set during the discovery meeting and documented in the signed engagement letter. Fees are negotiable.

Your responses

We are a fee-only Registered Investment Adviser. We do not earn commissions, do not sell products, and do not receive compensation from anyone other than our clients. Our fees are disclosed on Form ADV Part 2A Item 5, which we will share before any engagement.

Three services, three fee structures

Our three published services are Explorer, Sailor, and Settler. Each has a transparent fee structure. The estimator on this page mirrors what is disclosed on Form ADV Part 2A Item 5 (filed April 15, 2026).

What is included & what is not

Each service has its own scope. Explorer is a one-time plan with no ongoing engagement. Sailor includes ongoing planning and advice on your accounts but does not include discretionary investment management or tax preparation as a bundled service. Settler is the most comprehensive engagement and includes US and Spain tax coordination, financial planning, and discretionary investment management.

How we charge and when

Quarterly, in advance. Ongoing fees are billed quarterly in advance based on the account value at the last business day of the previous quarter. The first invoice is prorated from the engagement start date. Upon termination, any unearned fees are refunded prorata.

How payment is collected. For Sailor, fees are charged through AdvicePay (our compliant fee-collection platform). For Settler, fees are typically debited from the client's investment account at the custodian (Charles Schwab) with the client's written authorization; the firm sends a copy of every invoice to the custodian at the same time it is sent to the client, per the limited fee-debit safe harbor (CCR §260.237).

Frequently asked questions

Are fees negotiable?
Yes. Fees are negotiable and may vary based on the complexity, scope, and circumstances of your engagement. The figures on this page are the published rates; your final fee is set in the signed engagement letter.
Could I find lower fees elsewhere?
Yes. Lower fees for comparable services may be available from other sources. We encourage you to compare. We believe our cross-border specialization (US-Spain corridor in particular) and bundled tax-coordination services in Settler offer value, but you should make the decision that fits your situation.
What is "AUA" (Assets Under Advisement)?
AUA are accounts that we provide ongoing advice, analysis, and recommendations on, but that we do not have discretionary trading authority over. Examples: a 401(k) at your employer, a foreign brokerage account, or a spouse's IRA where you want our input but want to retain control. In Sailor, the first $500,000 of AUA is included in the $1,200/quarter base fee at no additional cost; assets above $500,000 are charged 0.25% annually. In Settler, AUA is an optional 0.15% annual add-on. Conflict-of-interest disclosure: charging fees on AUA creates a conflict, as we have an incentive to recommend that you include more assets under advisement. You are under no obligation to include any accounts and may exclude assets at your discretion.
Is there a minimum engagement term?
No. For Sailor and Settler, either party may terminate the agreement at any time on 30 days' written notice. There is no contractual minimum term.
What is the discovery meeting fee, and how does it work?
The first 15-minute intro call is free. If you choose to continue, we hold a 90-minute discovery and proposal meeting for a $499 fee paid in advance. If you decide to engage with us in Explorer, Sailor, or Settler within 90 days of the discovery meeting, the $499 is credited back against your engagement fee. If you decide not to engage, the $499 covers the meeting time and is not refundable.
What is the 48-hour rule?
Unless you have received our Form ADV Part 2A brochure at least 48 hours before signing your investment advisory contract, you may terminate the contract within 5 business days of signing without penalty. We provide the brochure in advance for every engagement.
Are you a fiduciary?
Yes. We act as a fiduciary in all advisory engagements and adhere to the CFP Board Code of Ethics and Professional Responsibility. We are not affiliated with any broker-dealer and do not accept commissions or product-based compensation.
Where can I see your full disclosures?
Our Form ADV Part 2A (brochure) and Part 2B (brochure supplement for Victor Gersten) are available on the SEC's Investment Adviser Public Disclosure site. Our Privacy Notice is available on our website. We will send you the current ADV brochure and Privacy Notice before any engagement.

Required disclosures

Fees are negotiable. Fees may vary based on the complexity, scope of services, and client circumstances of your engagement.

Lower fees may be available elsewhere. Lower fees for comparable services may be available from other sources.

Registration disclaimer. Cross Border Wealth Advisors is a doing-business-as name of Gersten Financial Planning Inc., a California state-registered investment adviser (CRD 309890). Registration does not imply a certain level of skill or training.

AUA conflict of interest. Charging fees on Assets Under Advisement creates a conflict of interest, as the firm has an incentive to recommend that clients include more assets under advisement. Clients are under no obligation to include any accounts and may exclude assets at their discretion.

Estimates only. The figures on this page are illustrative. Your final fee is documented in the signed engagement letter.

Not a recommendation. This page is not investment, tax, or legal advice and is not a recommendation to engage. It is informational only.

Brochure delivery / 48-hour rule. Unless you have received the firm's Form ADV Part 2A at least 48 hours before signing, you may terminate within 5 business days of signing without penalty.

Fiduciary commitment. CBWA acts in a fiduciary capacity and adheres to the CFP Board Code of Ethics and Professional Responsibility.

No performance guarantee. Past performance does not guarantee future results. All investing involves risk including loss of principal.

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Cross Border Wealth Advisors is a California state-registered investment adviser (CRD 309890). Registration does not imply a certain level of skill or training. See full Disclaimer and Privacy Policy.

Schwab's selection as custodian does not constitute an endorsement of CBWA by Schwab. CBWA pays Schwab no compensation for client referrals.